We only use reputable lenders

That’s why, at CarLoans.com.au, we approach a range of reputable Australian lenders to provide you with real choice. Our processes ensure that you get a great deal tailored specifically to your circumstances.

With the help of an experienced, qualified CarLoans.com.au finance broker, getting a car loan does not need to be difficult, challenging or complex. We can advise exactly what is required and help make the processes and paperwork easy.

CarLoans.com.au can often beat the banks by offering you a lower interest rate. This either increases your effective spending power by allowing you to borrow more for any desired level of repayment, or it cuts your repayments at any particular price point. Either way, you win.

Banks often charge higher car loan interest rates because they’re not just specialist car finance providers, and also because of their internal overheads and administration costs. CarLoans.com.au has low overheads and efficient internal structures and processes specializing in car finance, which allows us to keep our costs low.

Additionally, some banks and other lenders may have restrictions when providing some car loans. If you purchase through a dealer you may obtain the benefit of getting a reduced interest rate on a secured car loan. But if you buy from private seller, you might find yourself paying a much higher rate for an unsecured loan. At CarLoans.com.au we offer more flexibility.

Our pool of reputable Australian lenders

Macquarie Leasing

Macquarie Leasing is part of the Macquarie Group, a Sydney-based, Australian-owned financial services group operating in 31 markets. The ASX-listed company has operations in many industries including asset management, retail and business banking, wealth management, leasing and asset financing.


ANZ (formerly known as Esanda) is one of the more experienced lenders in the automotive industry. ANZ has had many years’ involvement in the car finance industry and has a range of innovative products and services for both business and private car buyers.

Capital Finance

This financier tends to specialize in car loans for vehicles purchased through mainstream new-vehicle dealerships. (Dealerships such as Mitsubishi, Toyota, Holden, etc.) Capital Finance is a specialist in this area with a range of well developed finance products, but may not generally finance vehicles from other sources, like non-franchised used car dealerships, auctions or private sales.


Firstmac is a privately-owned company that has been in business for 40 years. They have grown from a small family business to become Australia's largest non-bank lender. Over time they have provided 130,000 home loans and they currently manage $14 billion in mortgages and $300 million in cash investments. They are headquartered in Brisbane, Australia.


With more than 30 years in the car loan business, AFS is a well recognised and respected lending institution. It is funded by Westpac Institutional Bank. Along with car finance, AFS offers finance for boats, bikes, caravans and camper trailers.

Latitude Financial

Latitude Financial Services is one of the biggest and oldest non-bank lenders in Australia, tracing its history all the way back to 1921. This long history means that Latitude has decades of experience which it can use to create great products. Latitude, which offers a wide range of financial services beyond car loans, has 2.6 million customer accounts and supports more than 1900 merchant partners across Australia and New Zealand.


Liberty describe themselves as offering “free-thinking car loans” because they are willing to lend to borrowers with a less than perfect credit history. They have great car loan interest rates and finance solutions for self-employed (low-doc), people with bad credit, or those who need help financing older vehicles.

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